Was ist das eigentlich? Cyberrisiken verständlich erklärt
Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.
Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.
Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.
Wo erhalte ich vollständige Informationen über ACLS?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ACLS: Advanced Cardiac Life Support - 2024 Prüfung.
2024 Updated Actual ACLS questions as experienced in Test Center
Aktuelle ACLS Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>Medical ACLS : Advanced Cardiac Life Support - 2024 Practice TestsPractice Tests Organized by Richard |
Latest 2024 Updated Medical Advanced Cardiac Life Support - 2024 Syllabus
ACLS dumps questions with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
ACLS dumps questions : Download 100% Free ACLS practice questions (PDF and VCE)
Exam Number : ACLS
Exam Name : Advanced Cardiac Life Support - 2024
Vendor Name : Medical
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Free Exam Cram of ACLS Exam Cram
We offer valid and up-to-date ACLS Cram Guide, which are effective for the genuine ACLS exam. Their website provides the latest tips and tricks to pass the ACLS exam with their Exam Questions. With their database of ACLS questions, you do not need to waste time memorizing reference books. Just spend 24 hours mastering their ACLS PDF Download and answers and take the exam.
The internet is flooded with hundreds of companies offering boot camp services, but unfortunately, most of them are just reselling outdated dumps. It is crucial to find a reliable and trustworthy ACLS Mock Exam provider online, and in this regard, you can either conduct research on your own or rely on killexams.com. However, it is important to ensure that your research does not end up being a waste of time and money. Therefore, they recommend that you visit killexams.com, obtain the free ACLS Exam Questions and evaluate the demo questions. If you are satisfied, register and get a three-month account to obtain the latest and valid ACLS Mock Exam that contains genuine exam questions and answers. Moreover, you should also obtain ACLS VCE exam simulator for practice purposes.
If you are looking to pass the Medical ACLS exam to secure a good job, then you must register at killexams.com. Numerous professionals are working hard to collect ACLS genuine exam questions for killexams.com, so you can rest assured that you will get reliable and updated ACLS exam questions to ensure your success. You can obtain updated ACLS exam questions at any time, free of cost. However, be careful when relying on free ACLS Mock Exam available on the web, as Valid and 2024 Up-to-date ACLS Mock Exam is a serious issue. Therefore, reconsider killexams.com before relying on any free ACLS Mock Exam available on the web.
ACLS exam Format | ACLS Course Contents | ACLS Course Outline | ACLS exam Syllabus | ACLS exam Objectives
EXAM NUMBER : ACLS
EXAM NAME : Advanced Cardiac Life Support
Grading Scale:
91-100% = A
83-90% = B
75-82% = C
67-81% = D
Below 67 = F
Skill development for professional personnel practicing in critical care units, emergency departments, and paramedic ambulances. Establishes a system of protocols for management of the patient experiencing cardiac difficulties.
COURSE CONTENTS, COURSE OBJECTIVES, SYLLABUS
- Integrate knowledge of EMS systems, safety/well being of the paramedic, and medical/legal and ethical issues, which is intended to Strengthen the health of EMS personnel, patients, and the community.
- Integrate knowledge of pharmacology to formulate a treatment plan intended to mitigate emergencies and Strengthen the overall health of the patient.
- Integrate knowledge of anatomy, physiology, and pathophysiology into the exam to develop and implement a treatment plan with the goal of assuring a patent airway, adequate mechanical ventilation and respiration for all patients.
- Integrate scene and patient exam findings with knowledge of epidemiology and pathophysiology to form a field impression, differential diagnosis and formulate a treatment plan.
- Integrate comprehensive knowledge of causes and pathophysiology into the management of cardiac arrest and peri-arrest states.
- Integrate a comprehensive knowledge of the causes and pathophysiology into the management of shock, respiratory failure or arrest with an emphasis on early intervention to prevent arrest.
- Safely and effectively perform all psychomotor skills within the scope of the Paramedic practice.
- Integrates comprehensive knowledge of EMS systems, the safety/well-being of the paramedic, and medical/legal and ethical issues which is intended to Strengthen the health of EMS personnel, patients, and the community.
- Integrates a complex depth and comprehensive breadth of knowledge of the anatomy and physiology of all human systems.
- Integrates comprehensive anatomical and medical terminology and abbreviations into the written and oral communication with colleagues and other health care professionals.
- Integrates comprehensive knowledge of pathophysiology of major human systems.
- Integrates comprehensive knowledge of life span development.
- Applies fundamental knowledge of principles of public health and epidemiology including public health emergencies, health promotion, and illness and injury prevention.
- Integrates comprehensive knowledge of pharmacology to formulate a treatment plan intended to mitigate emergencies and Strengthen the overall health of the patient.
- Integrates complex knowledge of anatomy, physiology, and pathophysiology into the exam to develop and implement a treatment plan with the goal of assuring a patent airway, adequate mechanical ventilation, and respiration for patients of all ages.
- Integrate scene and patient exam findings with knowledge of pathophysiology to form a field impression. This includes development of a list of differential diagnoses through clinical reasoning to modify the exam and formulate a treatment plan.
- Integrates exam findings with principles of epidemiology and pathophysiology to formulate a field impression and implement a comprehensive treatment/disposition plan for a patient with a medical complaint.
- Integrates comprehensive knowledge of causes and pathophysiology into the management of the cardiac arrest and peri-arrest states.
- Integrates a comprehensive knowledge of the causes and pathophysiology into the management of shock, respiratory failure or arrest with an emphasis on early intervention to prevent arrest.
- Integrates exam findings with principles of epidemiology and pathophysiology to formulate a field impression to implement a comprehensive treatment/disposition plan for an acutely injured patient.
- Integrates exam findings with principles of pathophysiology and knowledge of psychosocial needs to formulate a field impression and implement a comprehensive treatment/disposition plan for patients with special needs.
- Knowledge of operational roles and responsibilities to ensure patient, public and personnel safety.
- Communicate in a culturally sensitive manner.
- Demonstrate professional behavior including but not limited to; integrity, empathy, self-motivation, appearance and personal hygiene, self confidence, communications, time-management, teamwork, diplomacy and respect, patient advocacy and the safe delivery of care.
- Safely and effectively perform all psychomotor skills within the National EMS Scope of Practice Model and state scope of practice at the Paramedic level
- Perform basic and advanced interventions as a part of a treatment plan intended to mitigate the emergency, provide symptom relief, and Strengthen the overall health of the patient and evaluate the effectiveness of interventions and modify the treatment plan accordingly.
- Report and document exam findings and interventions. Collect and report data to be used for epidemiological and research purposes.
- Function as the team leader of a routine, single patient advanced life support emergency call.
Killexams Review | Reputation | Testimonials | Feedback
Preparing for the ACLS exam is a matter of just a few hours now.
Thanks to killexams.com, I was able to answer all the questions on the ACLS exam correctly. This is a fantastic asset for anyone looking to pass the test. I encourage everyone to use killexams.com's resources. Despite memorizing several books and failing to understand the concepts, I found their Questions Answers straightforward and was able to grasp all the issues.
Can I find real exam Questions Answers for the ACLS exam?
To become ACLS certified, I was under immense pressure to pass the exam, having failed the previous two attempts. Fortunately, I stumbled upon the killexams.com material through my cousin, and I was very impressed with the Questions Answers material. I secured 89% on the exam and was thrilled to score above the margin mark without any problems. The material is well-formatted and enriched with crucial principles, making it an excellent study resource for the exam.
Do not waste time searching; just get those ACLS Questions from the real exam.
Killexams.com's accurate Questions Answers helped me pass the ACLS exam on my first attempt, scoring 78% marks. Although my score was initially 90%, it was incorrectly marked down. Nevertheless, Killexams.com's team did an excellent job, and I appreciate their efforts. Thank you for helping me achieve my goals.
I need the latest updated ACLS objectives!
I am glad that you found the tips and tricks provided by Killexams.com helpful in preparing for your upcoming ACLS exam. It's reassuring to know that the exam simulator was beneficial in understanding the principles and concepts required to excel in the exam. It's always encouraging to hear positive feedback from users who have had a great experience with their IT exam prep material.
I found most ACLS questions in the practice questions that I read.
I am thrilled to announce that I passed the ACLS exam with a score of 92%. I owe my success to the notes and questions provided by killexams.com. Their material made the exam easy for me. The course notes were well-written, and the practice exams were useful in preparing me for the exam. I especially appreciated their treatment of Instructor Communication and Presentation Skills.
Medical Life exam Questions
ACLS Exam
User: Olena***** After failing my acls exam once, I felt hopeless until I found killexams.com. While many sites charged around $200 for their test materials, killexams.com had the lowest price. I took a chance and purchased their material, and I am glad I did because I passed the exam with flying colors. The demo questions were a great help, and I cannot thank killexams.com enough for their excellent services. |
User: Vadim***** One of the best IT exam practices I have ever encountered is killexams.com, and it helped me pass my acls exam with ease. The questions are not only actual, but they are also structured the way acls does it, making it easy to recall the answers during the exam. While not all questions are identical, many of them are similar, so if you follow killexams.com materials correctly, you should have no trouble sorting it out. This platform is very helpful for IT professionals like me. |
User: Tonya***** With limited time to prepare for the acls exam, I began searching for effective study material. Fortunately, I found Killexams.com, which made my day. The Questions Answers provided were concise and to the point, helping me understand the syllabus quickly. The material is also easy to memorize, and I am pleased with my results. |
User: Stephanie***** The practice questions provided by Killexams.com helped me achieve a score of 86% on the ACLS exam. I was pleased to see that around 90% of the questions were similar to the material provided by Killexams.com. I had difficulty with the complex themes, but the material provided helped me overcome those troubles. |
User: Lidija***** Killexams.com is the best and most accurate resource I have come across for preparing and passing IT exams. Their resources give you exactly what you need to know for the ACLS exam, and I can vouch for its reliability. Many of my friends have also used Killexams.com for certifications like Cisco, Oracle, Microsoft, and ISC, and they have all had great experiences. Its definitely my personal favorite. |
ACLS Exam
Question: How long discount offer stand? Answer: Usually, discount coupons do not stand for long, but there are several discount coupons available on the website. Killexams provide the cheapest hence up-to-date ACLS dumps questions that will greatly help you pass the exam. You can see the cost at https://killexams.com/exam-price-comparison/ACLS You can also use a discount coupon to further reduce the cost. Visit the website for the latest discount coupons. |
Question: Can I use free email address for killexams? Answer: Yes, you can use Gmail, Hotmail, Yahoo, and any other free email addresses to set up your killexams exam product. They just need your valid email address to deliver your login details and communicate if needed. There is no matter if the email address is free or paid. |
Question: Do I need to read and practice all the questions you provide? Answer: Yes, you should read and practice all the questions provided by killexams. The benefit to read and practice all ACLS test prep is to get to the point knowledge of exam questions rather than going through huge ACLS course books and contents. These questions contain genuine ACLS questions and answers. By memorizing and understanding, complete dumps questions greatly improves your knowledge about the core syllabus of ACLS exam. It also covers the latest syllabus. These exam questions are taken from ACLS genuine exam source, that's why these exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these questions are sufficient to pass the exam. |
Question: What should I do to pass ACLS exam? Answer: The best way to pass ACLS exam is to study genuine ACLS questions, memorize, practice, and then take the test. If you practice more and more, you can pass ACLS exam within 48 hours or less. But they recommend spending more time studying and practice ACLS VCE exam until you are sure that you can answer all the questions that will be asked in the genuine ACLS exam. Go to killexams.com and obtain the complete genuine dumps questions of ACLS exam. These ACLS exam questions are taken from genuine exam sources, that's why these ACLS exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these ACLS questions are sufficient to pass the exam. |
Question: How much practice is needed for ACLS test? Answer: It is up to you. If you are free and you have more time to study, you can prepare for an exam even in 24 hours. But they recommend taking your time to study and practice ACLS VCE exam until you are sure that you can answer all the questions that will be asked in the genuine ACLS exam. |
https://www.pass4surez.com/art/read.php?keyword=Medical+Life+Exam+Questions&lang=us&links=remove
Obviously it is hard task to pick solid certification Questions Answers concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning quiz test update and validity. The vast majority of customers scam by resellers come to us for the quiz test and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com exam dumps, killexams PDF questions, killexams questions bank, killexams VCE exam simulator. Visit their specimen questions and test exam dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best practice questions website?
Indeed, Killexams is completely legit and fully reputable. There are several includes that makes killexams.com authentic and authentic. It provides up to date and completely valid exam questions including real exams questions and answers. Price is small as compared to the vast majority of services on internet. The Questions Answers are up graded on normal basis utilizing most accurate questions. Killexams account launched and products delivery is extremely fast. Report downloading is actually unlimited and extremely fast. Help is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a sturdy website that supply exam prep with real exams questions.
Is killexams.com test material dependable?
There are several Questions Answers provider in the market claiming that they provide genuine exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update exam Questions Answers with the same frequency as they are updated in Real Test. exam questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.
If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to obtain PDF exam Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions Answers will be provided in your obtain Account. You can obtain Premium VCE exam files as many times as you want, There is no limit.
Killexams.com has provided VCE VCE exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Exam Center and Enjoy your Success.
PfMP practice exam | NACD free study guide | MEDSURG-BC PDF Questions | BONENT-CHN Study Guide | CRFA prep questions | 4A0-102 exam prep | 1T6-540 bootcamp | NCC exam Questions | 7392X pass exam | BONENT-CHBT pass marks | 4A0-AI1 Test Prep | HPE7-A01 exam questions | HCE-5710 exam Questions | CISMP-V9 study guide | CCNT free pdf | ITILFND-V4 VCE exam | 001-ARXConfig test questions | CCSK free VCE exam | PMP free exam papers | ICTS exam answers |
ACLS - Advanced Cardiac Life Support - 2024 guide
ACLS - Advanced Cardiac Life Support - 2024 PDF Download
ACLS - Advanced Cardiac Life Support - 2024 PDF Download
ACLS - Advanced Cardiac Life Support - 2024 Latest Questions
ACLS - Advanced Cardiac Life Support - 2024 questions
ACLS - Advanced Cardiac Life Support - 2024 test
ACLS - Advanced Cardiac Life Support - 2024 exam Cram
ACLS - Advanced Cardiac Life Support - 2024 guide
ACLS - Advanced Cardiac Life Support - 2024 exam Questions
ACLS - Advanced Cardiac Life Support - 2024 testing
ACLS - Advanced Cardiac Life Support - 2024 study help
ACLS - Advanced Cardiac Life Support - 2024 exam cram
ACLS - Advanced Cardiac Life Support - 2024 exam success
ACLS - Advanced Cardiac Life Support - 2024 PDF Questions
ACLS - Advanced Cardiac Life Support - 2024 boot camp
ACLS - Advanced Cardiac Life Support - 2024 real questions
ACLS - Advanced Cardiac Life Support - 2024 study help
ACLS - Advanced Cardiac Life Support - 2024 test
ACLS - Advanced Cardiac Life Support - 2024 Practice Test
ACLS - Advanced Cardiac Life Support - 2024 exam Cram
ACLS - Advanced Cardiac Life Support - 2024 exam Questions
ACLS - Advanced Cardiac Life Support - 2024 exam
ACLS - Advanced Cardiac Life Support - 2024 certification
ACLS - Advanced Cardiac Life Support - 2024 exam help
ACLS - Advanced Cardiac Life Support - 2024 Real exam Questions
ACLS - Advanced Cardiac Life Support - 2024 syllabus
ACLS - Advanced Cardiac Life Support - 2024 PDF Download
ACLS - Advanced Cardiac Life Support - 2024 exam cram
ACLS - Advanced Cardiac Life Support - 2024 Free PDF
ACLS - Advanced Cardiac Life Support - 2024 exam Questions
ACLS - Advanced Cardiac Life Support - 2024 Question Bank
ACLS - Advanced Cardiac Life Support - 2024 exam questions
ACLS - Advanced Cardiac Life Support - 2024 exam syllabus
ACLS - Advanced Cardiac Life Support - 2024 learning
ACLS - Advanced Cardiac Life Support - 2024 exam Questions
ACLS - Advanced Cardiac Life Support - 2024 information hunger
ACLS - Advanced Cardiac Life Support - 2024 test
ACLS - Advanced Cardiac Life Support - 2024 techniques
ACLS - Advanced Cardiac Life Support - 2024 exam
ACLS - Advanced Cardiac Life Support - 2024 tricks
ACLS - Advanced Cardiac Life Support - 2024 certification
ACLS - Advanced Cardiac Life Support - 2024 Premium PDF
ACLS - Advanced Cardiac Life Support - 2024 book
ACLS - Advanced Cardiac Life Support - 2024 test
Other Medical Practice Tests
Podiatry-License-Exam-Part-III prep questions | GP-MCQS exam Cram | NCBTMB practice questions | CVPM prep questions | NCMA-CMA practice questions | AEMT exam cram | RPFT exam tips | PANRE Practice Test | DHORT Question Bank | GP-Doctor Study help | NPTE PDF Download | CPM pdf download | NBRC practice exam | PANCE exam questions | CCP Free exam PDF | NBCOT exam Questions | NAPLEX free pdf | ABEM-EMC practice questions | CDCA-ADEX exam questions | CCN test example |
Best practice questions You Ever Experienced
Copado-Robotic-Testing test questions | 2V0-51-19 cbt | GB0-371 questions answers | Praxis-Core free exam papers | BCB-Analyst VCE | CMA free prep | CISMP-V9 Study Guide | 920-240 practice exam | HCE-5420 Study help | CCSK questions and answers | ACE-PT study guide | 9L0-827 exam Questions | NLN-CNEcl question test | DASM assessment test sample | H12-711 free questions | NSE6_FNC-8.5 questions and answers | 50-695 test prep | 8006 test prep | ACSCE-5X practice questions | OGEA-103 test practice |
References :
https://drp.mk/i/FCRjFPtTWz
https://www.instapaper.com/read/1399588278
https://arfansaleemfan.blogspot.com/2021/05/acls-advanced-cardiac-life-support-2021.html
http://feeds.feedburner.com/HereIsTheBestsPlaceToGetHelpPassM2080-663Exam
https://files.fm/f/2hgjn5tpf
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
ACLS Reviews by Customers
Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.
100% Valid and Up to Date ACLS Exam Questions
We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.
Warum sind Cyberrisiken so schwer greifbar?
Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.
Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyberattacken werden nur selten publiziert.
Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.
Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells
Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schadenszenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.
Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.
Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.
Nicht kriminelle Ursachen
Höhere Gewalt
Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.
Menschliches Versagen/Fehlverhalten
Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.
Technisches Versagen
Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.
Kriminelle Ursachen
Hackerangriffe
Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.
Physischer Angriff
Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hackerangriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.
Erpressung
Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hackerangriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.
Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:
Cyber-Kosten:
- Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
- Krisenkommunikation / PR-Maßnahmen
- Systemverbesserungen nach einer Cyber-Attacke
- Aufwendungen vor Eintritt des Versicherungsfalls
Cyber-Drittschäden (Haftpflicht):
- Befriedigung oder Abwehr von Ansprüchen Dritter
- Rechtswidrige elektronische Kommunikation
- Ansprüche der E-Payment-Serviceprovider
- Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
- Vertragliche Schadenersatzansprüche
- Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
- Rechtsverteidigungskosten
Cyber-Eigenschäden:
- Betriebsunterbrechung
- Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
- Mehrkosten
- Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
- Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
- Cyber-Erpressung
- Entschädigung mit Strafcharakter/Bußgeld
- Ersatz-IT-Hardware
- Cyber-Betrug